Medicare Advantage

Virginia Beach Medicare Advantage 2027: the full carrier-by-carrier plan list

Virginia Beach city has 70 Medicare Advantage plans for 2027. Compared with 2026, 3 plans are not coming back, 6 are new, and 45 continuing plans changed in some way you should check before December 7, 16 of them under a new name. This guide covers what those numbers mean for Virginia Beach, not which plan to pick.

Medicare AdvantageVirginia Beach, VA

If you live in Virginia Beach and you are shopping for a 2027 Medicare Advantage plan, here is the full lineup you can choose from. According to the CMS Medicare Advantage Landscape Source File, six carriers are offering plans in Virginia Beach city for the 2027 plan year, and every one of those plans includes prescription drug coverage. The table below lists every plan by carrier, along with its plan type.

What the 2027 lineup looks like

Virginia Beach is in Virginia Beach city, and Medicare plan availability is set at the county level. For 2027, CMS lists 54 Medicare Advantage plans available in the county, offered by six carriers. All 54 come with drug coverage built in, so a stand-alone Part D plan is not needed for those who enroll in one.

By plan type, the county's 2027 lineup breaks down like this:

• HMO: 19 plans
• HMO-POS: 19 plans
• PPO: 27 plans
• PFFS: 2 plans

Twenty-seven of those plans are Special Needs Plans (SNPs), meaning they are built for people who qualify because of a chronic condition (C-SNP), because they also have Medicaid (D-SNP), or because they live in an institutional setting like a nursing home (I-SNP).

The carriers offering plans for 2027

Listed alphabetically, the six carriers offering Medicare Advantage plans in Virginia Beach city for 2027 are:

• Aetna (CVS Health): 6 plans (HMO, HMO-POS, PPO; 1 Special Needs)
• Elevance Health (Anthem): 13 plans (HMO, HMO-POS, PPO; 7 Special Needs)
• Humana: 30 plans (HMO, HMO-POS, PFFS, PPO; 7 Special Needs)
• Lifeworks Advantage: 2 plans (HMO, HMO-POS; 2 Special Needs)
• Sentara Medicare: 2 plans (HMO; 2 Special Needs)
• UnitedHealthcare: 14 plans (HMO-POS, PPO; 8 Special Needs)

The full plan-by-plan list — with names such as Aetna Medicare Eagle Giveback (PPO), Anthem Medicare Advantage (HMO-POS), Humana Gold Plus, Sentara Community Complete (HMO D-SNP), and AARP Medicare Advantage from UnitedHealthcare — is in the table below. That is CMS county-level availability; specific costs and benefits for any given plan come from the Medicare Plan Finder at medicare.gov or the plan's own documents.

How the plan types differ

The letters after each plan name matter more than they look.

• HMO plans usually ask you to use doctors and hospitals in the plan's network and to pick a primary care doctor. Referrals are often needed to see specialists.
• HMO-POS (Point of Service) is an HMO with a limited option to go out of network for some services, typically at a higher cost.
• PPO plans let you see out-of-network providers, though you generally pay less when you stay in-network. Referrals are usually not required.
• PFFS (Private Fee-for-Service) plans set their own payment terms with providers. Any provider who accepts the plan's terms can treat you.
• SNP plans (D-SNP, C-SNP, I-SNP) are only for people who meet specific eligibility rules.

How to decide which plan fits

There is no single "right" plan — the fit depends on your doctors, your medications, and your budget. A few practical steps can help:

1. Make a list of your doctors and hospitals. Then check each plan's provider directory to see who is in-network. 2. List your prescriptions with doses. Use the Medicare Plan Finder to compare how each plan covers them. The Part D annual out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. The maximum Part D deductible any plan can charge is $615 in 2026 and $700 in 2027. The old coverage gap ("donut hole") is gone as of 2025, replaced by three simpler phases. 4. Look at total yearly cost, not just the premium. Compare premiums, deductibles, copays, and the plan's maximum out-of-pocket limit together. 5. Ask about the Medicare Prescription Payment Plan. This optional program lets you spread your yearly drug costs into monthly payments — helpful if a big pharmacy bill would land all at once. 6. Check whether you qualify for a Special Needs Plan. If you have full Medicaid, a qualifying chronic condition, or live in a nursing home, a D-SNP, C-SNP, or I-SNP may be an option.

Higher-income enrollees should also be aware of IRMAA, an added Medicare premium that begins above $109,000 in income for a single filer in 2026.

Key dates for 2027 coverage

• Oct. 15 – Dec. 7: Medicare Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan for coverage starting Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment Period. If you are already in a Medicare Advantage plan, you can make one change — switch to a different MA plan or go back to Original Medicare (and add a Part D plan if you need one).